Credit Card Consumer Protection

As a new means of payment instruments and a credit voucher, and the product of the combination of the bank business and modern technology, the credit card has the superiority of convenience, safety and efficiency, welcomed by consumers. Howerer, due to the imperfections of our credit card legal system, the complexity of credit card transactions and other factors, leading to there are many problems in the credit card transaction, the very important problem is the credit card consumer rights and interests protection.This article introduced the emergence and development of credit cards, analyzed the main problems of the credit card consumer protection, and profiting successful experience from the developed country and the local, hoping to building a more perfect protection system, so that the credit card consumers will have the comprehensive and effective protection.This article is divided into five parts to analyzed and researched the credit card consumer right protection.The first part is an overview of the credit card consumer. Introducing the definition of credit card, its development and function, and disscussing the legal status of credit card consumer, and proposing that the credit card consumer right protection is different from the traditional consumer, cleared the necessity of the credit card consumer protection.The second part describes the special rights system of the credit card consumer. Pointed out that the credit card consumer, in addition to have the 9 right as a average, But also enjoy some special rights:right to know, privacy, right of defense and so on.The third part introduces the reality and problems of our credit card consumer protection. First analyzing the reality of our credit card consumer protection, then analyzing the main problems, such as:the right to know issues, privacy issues, the risk responsibility undertakes after the credit card loses, the right to defense and so on, proposed the deficiencies of our credit card consumer protection.The fourth part describes the foreign credit card legislation of consumer protection. First introduces the developed countries in the credit card consumer protection legislation, and introduced their specific consumer protection provisions.The fifth part is our credit card Consumer Protection Legislation. By analyzing the main problems of our credit card, based on the mature legislative experience of the developed countries, discussed the legislative guidelines and innovative ideas of our credit card consumer protection, and proposed the specific content. At the same time, in order to prevent the credit card consumer abuse their rights, has conducted a number of restrictions.■...